As people age, happiness is often based on connections with family and friends. Some of us may not have those ready-made ties and perhaps need to look elsewhere to stay active and engaged. Having a job may be the answer. But I often hear seniors say, “I can’t work. I’ll lose my Social Security.” Nothing […]

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Are you afraid you’ll make a mistake with Social Security? Are you afraid you won’t make the right choice and get less than you deserve? You’re not alone! Many people feel this way and make this common mistake. Common Mistake My dental hygienist, Judy, made such a mistake. She told me she started collecting […]

Retire at 65? Are you searching for the best time to start collecting Social Security benefits? Confused about the consequences of your actions? Many of us are. Social Security has a multitude of rules and regulations. It can be hard to figure out what they all mean, but more importantly, what do they mean to […]

WINDFALL ELIMINATION PROVISION-Does it affect you? Have you applied for Social Security benefits only to find that you will get less than you expected? Many government workers are shocked to learn they will get a lower payment when they retire. Why Is My Social Security Payment Lower? The payment decrease is caused by the Windfall […]

DO YOU BELIEVE THEM? With their many twists and turns, the thought of trying to figure out Social Security policies can make your head spin. Myths about Social Security abound. Unfortunately, many people believe them. Sadly, these myths can cost you big time. Social Security Myth #1 – The “Maximum” is the Highest Payment You […]

Medicare Part A Medicare is divided into four parts: Part A, B, C, and D. Each part covers different services. Part A is your hospitalization. It will cover you for your hospital stay and services received while admitted to the hospital. Details for Part A Part A covers hospital care if you are formally admitted […]

Medicare Part B 2017 There are four parts to Medicare: Part A, B, C, and D. Each provides a different type of service. What Does Part B Cover? Part B covers most doctor visits, lab tests, X-rays, outpatient procedures, and emergency room visits. It may cover medically necessary equipment and supplies such as canes, walkers, […]

Medicare Part C 2017 Medicare is divided into four parts: Part A, B, C, and D. Each part covers different services. Part C is a combination of the parts and provided by a single health organization. Part C, also known as Medicare Advantage Plans, are all-inclusive plans offered by private insurance companies. They operate like […]

Medicare Part D 2017 Medicare Part D is Prescription Drug Coverage. The plans are not offered by Medicare, but by private insurance companies that must meet specific standards. To Qualify To qualify, you must participate in Part A and Part B. Offered by Outside Insurance Companies Medicare itself does not offer Part D policies. The […]

Beware the Donut Hole, I’ve heard, but what is it and why don’t people like it? It is a temporary limit on what your drug plan will cover. You pay more! Insurance companies pay 75% of standard medications like those for blood pressure, heart disease and other common ailments. Once you reach a certain monetary […]

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Donna Davis grew up in Queens, New York and is a graduate of New York Chiropractic College. She was in private practice in New York City for many years before relocating to Colorado. Ms. Davis is a skier, hiker, animal lover, and traveler. She currently lives in Snowmass Village, Colorado, with her dog, Shanti.